(in per cent)

As on March 31

 Federal Bank

 Ganesh Bank of Kurundwad

 Global Trust Bank

 HDFC Bank

2003

2004

2003

2004

2003

2004

2003

2004

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

 1.  Cash-deposit ratio

5.56

5.39

8.81

7.22

10.5

10.07

9.3

8.36

 2.  Credit-deposit ratio

56.8

57.14

52.29

46.68

47.34

35.09

52.53

58.35

 3.  Investment-deposit ratio

41.6

40.87

26.11

37.21

36.1

33.11

59.83

63.33

 4.  (Credit+Investment)-deposit ratio

98.4

98.01

78.39

83.89

83.44

68.2

112.4

121.68

 5.  Ratio of deposits to total liabilities

89.7

89.17

92.99

93.74

90.28

88.84

73.55

71.88

 6.  Ratio of term deposits to total deposits

78.9

76.91

77.62

75.14

81.19

73.65

57.03

45.28

 7.  Ratio of priority sector advances to total advances

31.4

31.32

57.16

62.7

26.39

27.87

12.1

14.08

 8.  Ratio of term loan to total advances

38.8

39.56

74.04

77.53

53.55

55.69

55.5

60.92

 9.  Ratio of secured advances to total advances

92

88.87

97.5

98.09

86.56

90.88

85.79

86.75

 10. Ratio of investments in non-approved
securites to total investments

23

18.55

2.66

1.61

24.3

26.86

52.43

40.09

 11. Ratio of interest income to total assets

9.95

8.73

9.64

8.68

7.21

4.76

7.46

7.01

 12. Ratio of net interest margin to total assets

3.04

3.09

1.52

1.19

0.3

-1.09

3.07

3.68

 13. Ratio of non-interest income to total assets

2.1

2.18

2.47

2.11

2.56

2.17

1.75

1.32

 14. Ratio of intemediation cost to total assets

1.99

2.07

2.3

2.37

2.37

2.14

2.18

2.23

 15. Ratio of wage bills to intemediation cost

62.8

63.01

56.14

60.71

23.74

23.43

25.67

25.2

 16. Ratio of wage bills to total expense

14

16.92

12.38

14.58

6.05

6.27

8.52

10.1

 17. Ratio of wage bills to total income

10.4

11.96

10.64

13.33

5.75

7.23

6.09

6.74

 18. Ratio of burden to total assets

-0.11

-0.11

-0.18

0.26

-0.19

-0.03

0.44

0.91

 19. Ratio of burden to interest income

-1.11

-1.26

-1.82

2.97

-2.64

-0.61

5.87

12.95

 20. Ratio of operating profits to total assets

3.15

3.2

1.7

0.82

0.49

-1.06

2.63

2.77

 21. Return on assets

0.86

0.9

1.65

0.86

-3.56

-11.3

1.52

1.45

 22. Return on equity

21.5

23.14

12.69

10.43

-82.41

-304

18.48

20.61

 23. Cost of deposits

7.36

5.92

8.71

8.01

7.19

5.73

5.31

3.93

 24. Cost of borrowings

1.87

1.61

14.41

13.09

2.66

5.74

5.03

6.25

 25. Cost of funds

7.24

5.88

8.72

8.02

7.16

5.73

5.29

4.12

 26. Return on advances

11.6

10.26

12.69

12.01

10.17

8.8

8.47

7.52

 27. Return on investments

10.2

8.68

10.69

7.97

7.66

4.06

8.77

8.1

 28. Return on advances adjusted to cost of funds

4.34

4.38

3.97

3.99

3.02

3.07

3.19

3.4

 29. Return on investments adjusted to cost of funds

2.95

2.8

1.97

-0.05

0.5

-1.67

3.48

3.98

 30. Business per employee (in Rs.lakh)

270

327

126.52

126

655.1

625

865

866

 31. Profit per employee (in Rs.lakh)

1.69

2.14

1.39

1

-19.93

-66.7

10.09

9.39

 32. Capital adequacy ratio

11.2

11.48

10.44

11.94

0

0

11.12

11.66

 33. Capital adequacy ratio - Tier I

6.65

6.26

6.43

7.88

0

0

9.49

8.03

 34. Capital adequacy ratio - Tier II

4.58

5.22

4.01

4.06

0

0

1.63

3.63

 35. Ratio of net NPA to net advances

4.95

2.89

12.89

10.59

19.77

27.99

0.37

0.16

Source : Compiled from annual accounts of banks of respective years

TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND  2004

OTHER SCHEDULED COMMERCIAL BANKS

(in per cent)

As on March 31

 ICICI Bank

 IDBI Bank

 IndusInd Bank

 ING Vysya Bank

2003

2004

2003

2004

2003

2004

2003

2004

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(32)

 1.  Cash-deposit ratio

10.14

7.94

9.96

7.6

6.69

11.92

5.56

5.97

 2.  Credit-deposit ratio

110.61

91.17

71.7

73.63

62.2

69.75

61.08

67.25

 3.  Investment-deposit ratio

73.62

62.76

39.97

38.95

29.48

35.46

39.63

38.99

 4.  (Credit+Investment)-deposit ratio

184.23

153.93

111.67

112.59

91.68

105.21

100.71

106.24

 5.  Ratio of deposits to total liabilities

45.1

54.39

76.08

77.28

86.84

74.24

79.22

79.39

 6.  Ratio of term deposits to total deposits

84.47

77.05

65.1

56.69

87.82

88.83

78.94

75.09

 7.  Ratio of priority sector advances to total advances

16.78

23.4

30.04

38.1

18.69

32.19

34.93

30.61

 8.  Ratio of term loan to total advances

93.3

86.04

61.29

65.61

24.14

51.4

51.57

53.72

 9.  Ratio of secured advances to total advances

97.16

92.46

80.23

87.65

88.98

88.62

87.17

90.42

 10. Ratio of investments in non-approved
securites to total investments

27.86

30.01

24.56

22.46

19.3

4.5

36.28

27.86

 11. Ratio of interest income to total assets

8.88

7.67

8.21

7.04

7.39

7.89

8.11

7.45

 12. Ratio of net interest margin to total assets

1.35

1.62

2.77

3.16

1.84

2.54

1.94

1.97

 13. Ratio of non-interest income to total assets

3

2.64

2.27

2.01

2.56

2.76

3.21

2.93

 14. Ratio of intemediation cost to total assets

1.91

2.22

2.84

2.45

1.17

1.74

2.99

2.79

 15. Ratio of wage bills to intemediation cost

20.03

21.24

26.67

26.42

23.97

23.2

51.94

48.49

 16. Ratio of wage bills to total expense

4.05

5.7

9.14

10.24

4.18

5.68

16.96

16.34

 17. Ratio of wage bills to total income

3.22

4.57

7.22

7.16

2.82

3.78

13.71

13.01

 18. Ratio of burden to total assets

-1.09

-0.43

0.57

0.44

-1.39

-1.02

-0.22

-0.14

 19. Ratio of burden to interest income

-12.25

-5.55

6.94

6.29

-18.82

-12.96

-2.76

-1.92

 20. Ratio of operating profits to total assets

2.44

2.04

2.2

2.72

3.23

3.56

2.17

2.11

 21. Return on assets

1.13

1.31

0.9

1.02

0.91

1.74

0.74

0.45

 22. Return on equity

17.38

20.93

21.71

27.24

15.49

37.37

12.4

8.12

 23. Cost of deposits

6.18

5.2

5.76

3.68

6.01

5.05

7.36

5.89

 24. Cost of borrowings

0.44

0.71

3.24

4.68

2.04

7.33

1.88

1.11

 25. Cost of funds

3.25

3.59

5.41

3.82

5.77

5.31

6.76

5.47

 26. Return on advances

11.99

10.53

9.93

8.32

8.55

10.59

9.77

8.83

 27. Return on investments

8.16

6.22

8.73

7.24

9.72

8

9.37

7.01

 28. Return on advances adjusted to cost of funds

8.74

6.94

4.51

4.5

2.78

5.28

3.01

3.36

 29. Return on investments adjusted to cost of funds

4.91

2.63

3.32

3.42

3.95

2.69

2.61

1.54

 30. Business per employee (in Rs.lakh)

1,120.00

1,010.00

712.84

1,080.31

1,284.06

1,079.95

242

324.34

 31. Profit per employee (in Rs.lakh)

11

12

4.89

8.2

9.5

14.98

1.69

1.15

 32. Capital adequacy ratio

11.1

10.36

9.56

10.38

12.13

12.75

9.81

11.05

 33. Capital adequacy ratio - Tier I

7.05

6.09

5.96

5.84

10.06

8.91

6.63

6.14

 34. Capital adequacy ratio - Tier II

4.05

4.27

3.6

4.54

2.07

3.84

3.18

4.91

 35. Ratio of net NPA to net advances

5.21

2.21

1.18

0.2

4.25

2.72

3.55

2.6

Source : Compiled from annual accounts of banks of respective years

TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND  2004

OTHER SCHEDULED COMMERCIAL BANKS

(in per cent)

As on March 31

 Jammu & Kashmir Bank

 Karnataka Bank

 Karur Vysya Bank

 Kotak Mahindra Bank#

2003

2004

2003

2004

2003

2004

2003

2004

(33)

(34)

(35)

(36)

(37)

(38)

(39)

(40)

 1.  Cash-deposit ratio

4.91

8.22

5.27

4.13

4.5

5.53

0

2.84

 2.  Credit-deposit ratio

54.59

49.75

47.03

49.62

65.3

68.06

0

47.03

 3.  Investment-deposit ratio

45.91

45.29

53.46

51.87

36.12

36.76

0

64.65

 4.  (Credit+Investment)-deposit ratio

100.5

95.04

100.49

101.49

101.42

104.82

0

111.67

 5.  Ratio of deposits to total liabilities

87.38

88

89.5

88.94

82.9

83.17

0

76.66

 6.  Ratio of term deposits to total deposits

66.61

69.74

81.48

79.72

78.53

77.13

0

40.58

 7.  Ratio of priority sector advances to total advances

18.8

21.17

38.49

40.92

33.26

37.5

0

41.84

 8.  Ratio of term loan to total advances

49.03

54.71

29.05

33.28

54.22

59.65

0

93.01

 9.  Ratio of secured advances to total advances

90.3

92.01

91.62

91.08

92.22

85.67

0

78.58

 10. Ratio of investments in non-approved
securites to total investments

41.38

38.96

22.93

38.33

26.37

20.75

0

21.02

 11. Ratio of interest income to total assets

9.06

8.01

9.53

8.55

9.13

9.75

0

4.96

 12. Ratio of net interest margin to total assets

3.34

3.26

1.82

2.15

3

4.47

0

2.93

 13. Ratio of non-interest income to total assets

1.82

1.59

2.81

2.72

2.35

1.12

0

1.64

 14. Ratio of intemediation cost to total assets

1.65

1.54

1.65

1.55

1.84

2.36

0

2.4

 15. Ratio of wage bills to intemediation cost

60.98

57.44

63.4

61

57.73

50.27

0

31.63

 16. Ratio of wage bills to total expense

13.65

14.1

11.19

11.92

13.34

15.55

0

17.15

 17. Ratio of wage bills to total income

9.24

9.24

8.49

8.41

9.27

10.93

0

11.5

 18. Ratio of burden to total assets

-0.17

-0.04

-1.16

-1.17

-0.5

1.24

0

0.76

 19. Ratio of burden to interest income

-1.91

-0.56

-12.14

-13.68

-5.5

12.76

0

15.28

 20. Ratio of operating profits to total assets

3.52

3.31

2.98

3.32

3.5

3.23

0

2.18

 21. Return on assets

2.01

1.92

1.29

1.34

2.25

2.43

0

2.4

 22. Return on equity

31

28.66

21.48

20.78

25.28

25.35

0

13

 23. Cost of deposits

6.27

5.26

8.43

7.03

7.07

6.04

0

1.2

 24. Cost of borrowings

12.61

5.83

6.26

4.17

3.29

6.25

0

3.95

 25. Cost of funds

6.37

5.27

8.39

6.98

6.85

6.05

0

1.48

 26. Return on advances

10.53

9.5

10.93

9.73

10.44

9.8

0

10.04

 27. Return on investments

10.01

8.75

9.87

8.7

9.81

13.22

0

2.5

 28. Return on advances adjusted to cost of funds

4.16

4.23

2.54

2.75

3.58

3.75

0

8.56

 29. Return on investments adjusted to cost of funds

3.65

3.48

1.47

1.73

2.96

7.17

0

1.02

 30. Business per employee (in Rs.lakh)

287

345

275.32

320.23

288

330

0

354.28

 31. Profit per employee (in Rs.lakh)

5

6

2.55

3.1

4.41

5.65

0

10.25

 32. Capital adequacy ratio

16.48

16.88

13.44

13.03

17.01

17.11

0

15.25

 33. Capital adequacy ratio - Tier I

12.48

12.98

11.23

10.45

14.89

15.1

0

14.64

 34. Capital adequacy ratio - Tier II

4

3.9

2.21

2.58

2.12

2.01

0

0.61

 35. Ratio of net NPA to net advances

1.58

1.48

7.36

4.98

4.2

2.32

0

0.17

# : See 'Explanatory Notes'.

Source : Compiled from annual accounts of banks of respective years

TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND  2004

OTHER SCHEDULED COMMERCIAL BANKS

(in per cent)

As on March 31

 Lakshmi Vilas Bank

 Lord Krishna Bank

 Nainital Bank

 Ratnakar Bank

2003

2004

2003

2004

2003

2004

2003

2004

(41)

(42)

(43)

(44)

(45)

(46)

(47)

(48)

 1.  Cash-deposit ratio

5.99

6.99

7.82

8.84

7.13

6.88

7.66

13.61

 2.  Credit-deposit ratio

63.66

61.86

55.01

48.37

25.78

31.04

48.58

48.38

 3.  Investment-deposit ratio

37.41

40.6

39.84

45.31

52.13

54.09

42.19

36.13

 4.  (Credit+Investment)-deposit ratio

101.07

102.46

94.86

93.68

77.91

85.13

90.78

84.51

 5.  Ratio of deposits to total liabilities

86.67

86.25

89.54

88.74

87.03

88.8

86.73

87.72

 6.  Ratio of term deposits to total deposits

73.79

74.28

88.13

88.51

53.27

48.84

77.7

73.8

 7.  Ratio of priority sector advances to total advances

34.64

37.55

12.75

36.29

56.69

56.49

23.92

22.42

 8.  Ratio of term loan to total advances

37.53

41.12

21.7

24.61

30.92

38.43

38.09

35.49

 9.  Ratio of secured advances to total advances

89.93

90.71

88.85

89.2

99.45

96.22

86.1

81.84

 10. Ratio of investments in non-approved
securites to total investments

26.58

16.84

16.04

8.19

32.05

44.45

20.38

21.64

 11. Ratio of interest income to total assets

8.96

8.15

8.68

7.46

9.42

8.64

9.12

8.38

 12. Ratio of net interest margin to total assets

2.26

2.38

1.47

1.52

3.97

4.08

2.8

2.86

 13. Ratio of non-interest income to total assets

2.79

2.48

3.76

3.05

0.67

1.61

2.72

1.53

 14. Ratio of intemediation cost to total assets

2.4

2.26

2.36

2.41

3.02

3.14

2.68

2.6

 15. Ratio of wage bills to intemediation cost

59.41

58.35

42.72

38.7

74.89

76.58

58.49

60.7

 16. Ratio of wage bills to total expense

15.63

16.42

10.55

11.16

26.7

31.25

17.39

19.46

 17. Ratio of wage bills to total income

12.11

12.41

8.12

8.86

22.41

23.5

13.22

15.94

 18. Ratio of burden to total assets

-0.39

-0.22

-1.4

-0.65

2.35

1.53

-0.04

1.08

 19. Ratio of burden to interest income

-4.37

-2.64

-16.09

-8.65

24.97

17.76

-0.46

12.84

 20. Ratio of operating profits to total assets

2.65

2.59

2.87

2.16

1.62

2.54

2.84

1.79

 21. Return on assets

1.07

1.19

1.28

1.33

1.14

1.58

1.42

1.12

 22. Return on equity

19.17

19.61

20.25

20.54

17.16

19.62

25.84

17.87

 23. Cost of deposits

7.43

6.34

7.88

6.49

6.1

5.18

7.17

6.28

 24. Cost of borrowings

5.94

6.64

24.79

21.95

12.01

18.54

12.17

10.76

 25. Cost of funds

7.41

6.35

7.91

6.5

6.1

5.18

7.2

6.29

 26. Return on advances

10.58

9.5

9.9

8.61

11.49

11.43

13.06

11.74

 27. Return on investments

9.2

8.51

9.87

8.23

10.83

9.71

8.55

8.42

 28. Return on advances adjusted to cost of funds

3.18

3.15

1.99

2.11

5.39

6.25

5.86

5.45

 29. Return on investments adjusted to cost of funds

1.79

2.16

1.95

1.73

4.73

4.52

1.35

2.13

 30. Business per employee (in Rs.lakh)

228

276

261.17

308.94

115.4

124.56

179.73

198.4

 31. Profit per employee (in Rs.lakh)

1.72

2.11

2.36

2.37

1.17

1.91

1.81

1.58

 32. Capital adequacy ratio

11.35

13.79

12.82

16.54

20.93

18.54

14.05

16.65

 33. Capital adequacy ratio - Tier I

8.39

8.49

10.03

10.06

19.31

14.28

11.76

13.54

 34. Capital adequacy ratio - Tier II

2.96

5.3

2.79

6.48

1.62

4.26

2.29

3.11

 35. Ratio of net NPA to net advances

7.15

5.4

6.33

6.05

0

0

7.42

5.58

Source : Compiled from annual accounts of banks of respective years

TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND  2004

OTHER SCHEDULED COMMERCIAL BANKS

(in per cent)

As on March 31

 Sangli Bank

 SBI Comm.& Int. Bank

 South Indian Bank

 Tamilnadu Mercantile Bank

2003

2004

2003

2004

2003

2004

2003

2004

(49)

(50)

(51)

(52)

(53)

(54)

(55)

(56)

 1.  Cash-deposit ratio

4.63

4.97

5.81

5.88

5.78

4.89

6.63

5.08

 2.  Credit-deposit ratio

33.86

34.9

35.58

32.29

52.66

50.69

47.98

48

 3.  Investment-deposit ratio

56.82

58.1

30.07

38.32

43.71

47.85

52.44

53.44

 4.  (Credit+Investment)-deposit ratio

90.68

93

65.64

70.61

96.37

98.54

100.43

101.44

 5.  Ratio of deposits to total liabilities

92.32

93.3

83.94

76.31

89.94

89.47

86.51

86.54

 6.  Ratio of term deposits to total deposits

66.62

66.4

94.22

88.81

80.81

79.03

75.73

74.76

 7.  Ratio of priority sector advances to total advances

23.03

15.1

9.4

12.03

27.79

30.75

40.81

45.14

 8.  Ratio of term loan to total advances

19.55

35.2

6.57

9.64

45.17

51.05

29.42

31.86

 9.  Ratio of secured advances to total advances

93.92

95.8

88.95

99.52

82.81

85.96

95.11

95.19

 10. Ratio of investments in non-approved
securites to total investments

22.07

21.6

6.88

2.49

10.48

8.24

49.07

41.13

 11. Ratio of interest income to total assets

7.83

7.08

7.56

7.33

9.24

8.06

10.48

10.96

 12. Ratio of net interest margin to total assets

2.24

2.75

1.95

2.5

2.48

2.37

3.76

4.4

 13. Ratio of non-interest income to total assets

1.78

1.6

1.94

2.57

2.79

1.32

1.38

 14. Ratio of intemediation cost to total assets

2.88

2.88

1.37

1.48

2

2.29

2.06

2.32

 15. Ratio of wage bills to intemediation cost

76.23

74.5

35.73

38.08

66.53

67.59

59.74

56.79

 16. Ratio of wage bills to total expense

25.95

29.7

7.01

8.92

15.19

19.41

14.03

14.82

 17. Ratio of wage bills to total income

22.88

24.7

5.14

5.06

11.26

14.28

10.44

10.66

 18. Ratio of burden to total assets

1.1

1.28

-0.58

-2.32

-0.57

-0.49

0.74

0.93

 19. Ratio of burden to interest income

14.09

18.1

-7.63

-31.61

-6.19

-6.14

7.09

8.52

 20. Ratio of operating profits to total assets

1.14

1.47

2.53

4.82

3.05

2.87

3.02

3.46

 21. Return on assets

0.66

0.64

-1.45

3.67

1.25

1

1.35

1.59

 22. Return on equity

15.55

14.6

-10.1

20.1

24.29

23.56

17.5

18.47

 23. Cost of deposits

6.01

4.65

6.69

5.98

7.33